I was in banking for 35 years, primarily in the area of business lending. I have been in teaching and training for more than 30 years. In addition to this class, live courses that I have taught for UCLA Extension are Financial Statement Analysis, Intermediate Accounting II, Business Financing and Credit Analysis, and Finance for the Non-Financial Manager. I have also taught accounting, business, and finance classes for other Universities. In my spare time, I do financial analysis consulting for banks and companies that grant credit.